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What is an Employer Identification Number (EIN)?
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li:hover{color:#000;text-decoration:underline}.utility-navigation--main{background-color:#f5f5f5}@media(min-width:75rem){.utility-navigation--main{background-color:#fff}}.utility-navigation--main .utility-navigation__links{-webkit-box-align:end;-ms-flex-align:end;align-items:flex-end}.utility-navigation--main .utility-navigation__links>li{margin:0;padding:1rem;position:relative}@media(min-width:75rem){.utility-navigation--main .utility-navigation__links>li{border-top-left-radius:1rem;border-top-right-radius:1rem;padding:.3125rem 1.375rem}.utility-navigation--main .utility-navigation__links>li.active{border-top-left-radius:1rem;border-top-right-radius:1rem;-webkit-box-shadow:0 10px #fff,0 4px 4px rgba(0,0,0,.25);box-shadow:0 10px #fff,0 4px 4px rgba(0,0,0,.25)}.utility-navigation--main .utility-navigation__links>li.active .utility-navigation__link--main{border-bottom-color:#012169}}.utility-navigation--main .utility-navigation__links>li.active .utility-navigation__sublinks-container{display:block}@media(min-width:75rem){.utility-navigation--main .utility-navigation__links>li.active .utility-navigation__sublinks-container{display:-webkit-box;display:-ms-flexbox;display:flex}}.utility-navigation--main .utility-navigation__sublinks-container{width:100%}@media(min-width:75rem){.utility-navigation--main .utility-navigation__sublinks-container{-webkit-box-align:start;-ms-flex-align:start;align-items:flex-start;background-color:#fff;border-radius:1rem;-webkit-box-shadow:0 4px 4px 0 rgba(0,0,0,.25);box-shadow:0 4px 4px 0 rgba(0,0,0,.25);display:none;max-height:calc(100vh - 40px);overflow-x:auto;padding:2rem;position:absolute;right:0;top:100%;width:-webkit-max-content;width:-moz-max-content;width:max-content;z-index:3}}.utility-navigation--main .utility-navigation__sublinks{list-style-type:none;margin:1rem 0 0;padding:0;width:100%}@media(min-width:75rem){.utility-navigation--main .utility-navigation__sublinks{margin-right:2rem;margin-top:0;max-width:100%;width:19.0625rem}}.utility-navigation--main .utility-navigation__sublinks>li:not(:last-child){margin-bottom:1.5rem}.utility-navigation--main .utility-navigation__link{display:inline-block}@media(max-width:74.9375rem){.utility-navigation--main .utility-navigation__link--main{color:#012169;font-size:1rem}}@media(min-width:75rem){.utility-navigation--main .utility-navigation__link--main{border-bottom:2px solid rgba(0,0,0,0);-webkit-transition:border .2s linear;transition:border .2s linear}}@media(max-width:74.9375rem){.utility-navigation--main .utility-navigation__link--main:focus,.utility-navigation--main .utility-navigation__link--main:hover{text-decoration:underline}}@media(min-width:75rem){.utility-navigation--main .utility-navigation__link--main:focus,.utility-navigation--main .utility-navigation__link--main:hover{border-bottom-color:#012169}}.utility-navigation--main 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<div class="aem-wrap--header"> <div class="header text " data-action="text-component"> <h1 class="header__headline header--h2 header--black"> What is an Employer Identification Number (EIN)? </h1> <div class="header__subheadline" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"> <p><span class="color-bright-red"><span class="header--h4">May 20, 2024 | 3 minute read</span></span></p> </div> </div></div> <div class="aem-wrap--separator"> <div class="separator separator--transparent separator--top-padding-none separator--bottom-padding-none"> <div class="separator__line separator__line--transparent separator__line--thin"></div> </div></div> <div class="aem-wrap--background-container"> <div class="background-container container-full-bleed background-container--pt-30 background-container--pb-30"> <div class="background-container__content container-fluid background-container--white"> <div class="aem-wrap--contributor"> <div data-action="text-component" class="contributor contributor--larger-image "> <div class="contributor__image"> <img class="contributor__headshot" src="/content/dam/business-ecosystem/contributors/brad-tyler-headshot.jpg" width="200" height="200" alt="Brad Tyler, Business Strategy & Intelligence Manager, Bank of America]"/> </div> <div class="contributor__text text" data-props-tagging-label="Contributor-_-Hyperlink-_-" data-props-tagging-class="t-track-contributor-link" data-action="text-component"> <div class="contributor__sub-title"> <p><b>Answered by<br /> </b>Brad Tyler<br /> Business Strategy & Intelligence Manager<br /> Bank of America</p> </div> <div class="cta-container "> </div> </div> </div></div> </div> </div></div> <div class="aem-wrap--separator"> <div class="separator separator--transparent separator--top-padding-none separator--bottom-padding-none"> <div class="separator__line separator__line--transparent separator__line--thin"></div> </div></div> <div class="aem-wrap--text"> <div class="text" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"> <p>Applying for an Employer Identification Number (EIN) is a key step whether you are <a data-aria-label="starting a new business" href="/resources/guide-starting-a-business.html" target="_self">starting</a>, running or <a href="/resources/how-to-develop-a-business-growth-strategy.html" target="_self" data-aria-label="growing your business">growing</a> your business. Here’s a look at why you should consider getting one and how to get it.</p> <p> </p> <p>An EIN, a type of Taxpayer Identification Number (TIN) used by the IRS, identifies a business for tax reporting purposes, much like a Social Security number does for individuals. The IRS will provide you with a unique nine-digit EIN for free.</p> <p> </p> </div></div> <div class="aem-wrap--separator"> <div class="separator separator--transparent separator--top-padding-none separator--bottom-padding-none"> <div class="separator__line separator__line--transparent separator__line--thin"></div> </div></div> <div class="aem-wrap--text"> <div class="text" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"> <h2><span class="color-dark-blue"><span class="header--h3">Why is an EIN important and what are the benefits?</span></span></h2> <p>Any business that has employees, including a <a href="/resources/what-is-sole-proprietorship.html" target="_self">sole proprietorship</a>, needs to have an EIN. Businesses are required to have one when they file an employment tax return.</p> <p> </p> <p>However, a business must get an EIN under other circumstances, including, but not limited to, if:</p> <p> </p> <ul> <li>It is a corporation or is taxed as one.</li> <li>It is a <a href="/resources/what-is-a-limited-liability-company-llc.html" target="_self">multi-member LLC</a> or partnership.</li> <li>You have acquired or inherited the business.</li> <li>You have set up a Keogh retirement plan or solo 401(k).</li> <li>You have filed for bankruptcy protection.</li> <li>You file certain excise tax returns.</li> </ul> <p> </p> <p>Beyond helping tax authorities identify your business, an EIN can help you establish your business as an <a href="/resources/why-and-how-to-keep-your-personal-and-business-finances-separate.html" target="_self">entity separate from yourself</a> for the purposes of <a href="/resources/what-is-business-credit-and-how-do-i-build-it.html" target="_self">building a business credit profile</a> — having your business as a separate entity may protect you from legal liabilities. An EIN may be required by financial institutions when you apply for a <a href="https://www.bankofamerica.com/smallbusiness/deposits/business-advantage-banking/" target="_blank">business bank account</a> or a <a href="https://www.bankofamerica.com/smallbusiness/business-financing/" target="_blank">business loan</a>.</p> <p> </p> </div></div> <div class="aem-wrap--separator"> <div class="separator separator--transparent separator--top-padding-none separator--bottom-padding-none"> <div class="separator__line separator__line--transparent separator__line--thin"></div> </div></div> <div class="aem-wrap--text"> <div class="text" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"> <h2><span class="color-dark-blue"><span class="header--h3">How do I apply for an EIN?</span></span></h2> <p>The easiest way is via the IRS website. Once you’ve completed <a href="https://www.irs.gov/forms-pubs/about-form-ss-4" target="_blank">Form SS-4 online</a>, in most cases you’ll get your number immediately. Or you can print out the form and mail or fax it.</p> <p> </p> <p>Additionally, for a fee, third parties like Bizee can help you file for an EIN as part of their <a href="https://promotions.bankofamerica.com/smallbusiness/starting-a-business/forming-your-business#bizee-forming-your-business" target="_blank">business formation services</a>.</p> <p> </p> <p>To learn more about the steps to launch a new business, including how to form your business with an exclusive offer from Bizee, you can visit the <a href="https://promotions.bankofamerica.com/smallbusiness/starting-a-business" target="_blank">Bank of America Start a Business Center</a>.</p> <p> </p> </div></div> <div class="aem-wrap--separator"> <div class="separator separator--transparent separator--top-padding-none separator--bottom-padding-none"> <div class="separator__line separator__line--transparent separator__line--thin"></div> </div></div> <div class="aem-wrap--text"> <div class="text" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"> <h2><span class="color-dark-blue"><span class="header--h3">What do I need to get an EIN?</span></span></h2> <p>You’ll need to provide your name and those of any other business owners, your Social Security number or another type of TIN, business name, mailing address, type of business entity, reason for applying, the date the business was started or acquired, the highest number of employees you expect to have on payroll in the next 12 months, and the first date you paid or will pay wages.</p> <p> </p> <p>Once you have an EIN, if you forget it, you can find it on your tax return, applications for a bank account or credit, state licenses and permits. You also can find it on tax forms you’ve filed to report any work you’ve done as an independent contractor or any payments made by your business.</p> <p> </p> </div></div> <div class="aem-wrap--separator"> <div class="separator separator--transparent separator--top-padding-none separator--bottom-padding-none"> <div class="separator__line separator__line--transparent separator__line--thin"></div> </div></div> <div class="aem-wrap--text"> <div class="text" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"> <h2><span class="color-dark-blue"><span class="header--h3">When do I need to register for an EIN?</span></span></h2> <p>There are no set rules on when to apply. Generally, all businesses with employees need EINs, and the EIN generally should be obtained as soon as the entity is formed or acquired (or if the business experiences a change requiring an EIN as discussed above). Given how handy an EIN is, the sooner, the better.</p> </div></div> </div> </div> </div> </div> </div> </div> <div class="col-xs-12 col-md-4 col-lg-3"> <div class="layout-container__column-right"> <div class="aem-wrap--right-rail js-right-rail-sticky"> <div class="right-rail " data-action="right-rail-component"> <div class="aem-wrap--experience-fragment"> <div id="experience-fragment-9bbc2493a5" class="experience-fragment experience-fragment--back-to-homepage"> <div class="aem-wrap--cta"> <div class="cta-container cta--left"> <a class="cta cta--icon-link cta--royal-blue t-track-cta-link" target="_self" href="/resources.html" aria-label="back to homepage" data-bactmln="StandaloneCTA-_-CTA-_-back-to-homepage_/resources.html"> <span class="cta__icon icon-action-left"></span>Back to Homepage</a> </div> </div> </div> </div> <div class="aem-wrap--social-share"> <div class="social-share social-share--inline social-share--blue" data-action="social-share-component" data-props-email-subject="Article on What is an Employer Identification Number (EIN)?" data-props-email-body="I thought you would find this article from Bank of America interesting. 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